Health Insurance Features for Different States of USA

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Health Insurance Features for Different States of USA

Health risks are on the rise and everybody ought to have a safety net to fall back on. And there’s no better safety net than insurance as far as health risks go. But a major problem in the United States is that insurance laws and regulations are not made at the national level. The various comprising states decide on their respective insurance rules and each of them have points of similarity as well as dissimilarity with and from the rest. This means you need to have proper knowledge about health insurance in your state no matter where you are settled. The very first aspect in state specific health insurance is the main reason why the system came to be like this.

The answer to this obviously lies in the McCarran Ferguson Act that came through in the year 1945. This Act established the law that made it compulsory for states to handle their own insurance dealings. To put it simply, after the Act the federal government would have to hand over main authority to the individual states when it came to insurance. The issuance of this Act can be traced back further to the case that raged between United States on one hand and the South Eastern Underwriters Association on the other. Through this case, it came to light that individual states were not pleased with the kind of role play they had in the insurance business. After the McCarran Ferguson Act, the entire process of offering coverage or insurance began to be thought of as pure commerce. Although the Act stated that the states would have to don the cap of major decision- maker, it never restricted the federal government from interfering. It was only so that the former would have more power in their hands.

Today all 50 states have their individual sets of rules as far as health insurance goes. But the major aspects of health coverage remain the same. Individual insurance and group plans co- exist and so do other programs made popular through state efforts. All the states have one objective in common and that is it cover the still uninsured. Most states apart from private carriers offering coverage also consist of a high risk pool where the uninsurable (usually due to serious medical conditions) get assistance from. Apart from that, the Consolidated Omnibus Budget Reconciliation Act or COBRA is also active in most states. COBRA coverage is specially meant for people who were under group coverage before but have quit or lost the job that offered it. Usually if you have worked for an organization with more than 20 employees, you can hope to be covered by COBRA. In case your organization had less than 20 people, you would be eligible for state continuation coverage.

For individual health insurance, Alabamans have to prove to insurers that they’re in the best of health. In other words, insurance companies have the right to refuse insurance if they find applicants with already existing health conditions. Another rule regarding in the state regarding individual says that newborns have right to coverage through their parents’ insurance. On the part of the insurers, they have to include certain benefits no matter what the plan design is. For example breast cancer screening is a must. Also, they cannot cancel your policy if you happen to fall ill. The rule is similar when it comes to group health plans. As for pre-existing conditions neither individual nor group plans can keep pre-existing conditions excluded limitlessly. COBRA coverage will apply if you were under a group plan with your previous employer. This ensures that you enjoy insurance benefits even after you’ve left the job. When you have exhausted all other health insurance sources (even COBRA), you become HIPAA eligible. This means you can get coverage from the Alabama Health Insurance Program. AHIP does not put exclusions on pre-existing conditions (if any).

For individual health insurance, Alaskans have to prove to insurers that they’re in the best of health. In other words, insurance companies have the right to refuse insurance if they find applicants with already existing health conditions. Another rule regarding in the state regarding individual says that newborns and even adopted children have right to coverage through their parents’ insurance. On the part of the insurers, they have to include certain benefits no matter what the plan design is. For example, prostrate cancer screening is a must. Also, they cannot cancel your policy if you happen to fall ill. The rule is similar when it comes to group health plans. As for pre-existing conditions neither individual nor group plans can keep pre-existing conditions excluded limitlessly. Coverage may vary from plan to plan. COBRA coverage will apply if you were under a group plan with your previous employer. This ensures that you enjoy insurance benefits even after you’ve left the job. In case you’re uninsurable or have exhausted other protection, you can get coverage from the Alaska Comprehensive Health Insurance Association (ACHIA).

For individual health insurance, Arizonans have to prove to insurers that they’re in the best of health. In other words, insurance companies have the right to refuse insurance if they find applicants with already existing health conditions. But in case you’re HIPAA eligible, private insurers will have to offer you a selection of a minimum of 2 plans according to insurance laws in Arizona. Another rule regarding in the state regarding individual says that newborns, adopted children and disabled children have right to coverage through their parents’ insurance. On the part of the insurers, they have to include certain benefits no matter what the plan design is. For example, diabetes treatment is a must in the state. Also, they cannot cancel your policy if you happen to fall ill. The rule is similar when it comes to group health plans. Unlike many other states, Arizona lets its insurers decide how long they want to stretch the pre-existing condition exclusion period. Pre-existing conditions do not apply to the HIPAA eligible though. COBRA coverage will apply if you were under a group plan with your previous employer. This ensures that you enjoy insurance benefits even after you’ve left the job. If you happen to lose coverage under your current group plan, you can opt for conversion policies. These, for a rule, cannot put exclusions on pre-existing health conditions.

Arkansas

For individual health insurance, Arkansans have to prove to insurers that they’re in the best of health. In other words, insurance companies have the right to refuse insurance if they find applicants with already existing health conditions. Another rule regarding in the state regarding individual says that newborns, adopted children and disabled children have right to coverage through their parents’ insurance. In certain special cases, disabled children can continue under their parents’ coverage even after they have reached the stage when dependency is revoked. Unlike many other states, Arizona lets its insurers decide how long they want to stretch the pre-existing condition exclusion period. But they cannot cancel your insurance if you happen to fall sick. For group health plans, pre-existing condition exclusion period cannot be limitless. COBRA coverage will apply if you were under a group plan with your previous employer. This ensures that you enjoy insurance benefits even after you’ve left the job. If you fail to get coverage from all other quarters, you can opt for the Arkansas Comprehensive Health Insurance Pool. The HIPAA eligible can also try ACHIP.

For individual health insurance, Californians have to prove to insurers that they’re in the best of health. In other words, insurance companies have the right to refuse insurance if they find applicants with already existing health conditions. Only if you’re HIPAA eligible, will you not be refused. Another rule regarding in the state regarding individual says that newborns, adopted children and disabled children have right to coverage through their parents’ insurance. In certain special cases, disabled children can continue under their parents’ coverage even after they have reached the stage when dependency is revoked. On the part of the insurers, they have to include certain benefits no matter what the plan design is. For example, cancer screenings are a must in California. Your employer cannot refuse you group coverage due to your health condition. COBRA coverage will apply if you were under a group plan with your previous employer. This ensures that you enjoy insurance benefits even after you’ve left the job. COBRA cannot impose a new pre-existing condition exclusion period on any member (unless he or she is already in the middle of one from the previous policy). If you have a health condition that requires you to bear heavy medical costs, you can opt for the Major Risk Medical Insurance Program. You cannot be under a group plan or Medicare, if you want to be eligible for MRMIP.

For individual health insurance, Coloradoans have to prove to insurers that they’re in the best of health. In other words, insurance companies have the right to refuse insurance if they find applicants with already existing health conditions. Another rule regarding in the state regarding individual says that newborns, adopted children and disabled children have right to coverage through their parents’ insurance until they’re adults. On the part of the insurers, they have to include certain benefits no matter what the plan design is. For example, mammograms are a must in the state. As for pre-existing conditions neither individual nor group plans can keep pre-existing conditions excluded limitlessly. Coverage cannot be cancelled on the even of sickness. COBRA coverage will apply if you were under a group plan with your previous employer. This ensures that you enjoy insurance benefits even after you’ve left the job. Cover Colorado is the state’s high risk pool program from where the uninsurable can get coverage.

Connecticut

For individual health insurance, Connecticut residents have to prove to insurers that they’re in the best of health. In other words, insurance companies have the right to refuse insurance if they find applicants with already existing health conditions. Another rule regarding in the state regarding individual says that newborns, adopted children and disabled children have right to coverage through their parents’ insurance until they’re adults. On the part of the insurers, they have to include certain benefits no matter what the plan design is. For example, prostate screening is a must in the state. Your coverage cannot be cancelled due to ill health. Under group health plans too, insurers cannot stretch the pre-existing condition exclusion period endlessly. Even if an exclusion period is slammed on your plan, your insurer must take the pains of informing you in advance. COBRA coverage will apply if you were under a group plan with your previous employer. This ensures that you enjoy insurance benefits even after you’ve left the job. The state’s high risk pool program is the Connecticut Health Reinsurance Association. You just have to meet certain basic requirements in order to be eligible for coverage from HRA.

For individual health insurance, Delawareans have to prove to insurers that they’re in the best of health. In other words, insurance companies have the right to refuse insurance if they find applicants with already existing health conditions. But in case you’re HIPAA eligible, private insurers will have to offer you a selection of a minimum of 2 plans according to insurance laws in Delaware. Insurers have the right to include a pre-existing condition exclusion period. As for group coverage, your employer cannot refuse to offer you insurance keeping your health status under consideration. COBRA coverage will apply if you were under a group plan with your previous employer. This ensures that you enjoy insurance benefits even after you’ve left the job. COBRA cannot impose a new pre-existing condition exclusion period on any member (unless he or she is already in the middle of one from the previous policy).

District of Columbia

For individual health insurance, DC residents have to prove to insurers that they’re in the best of health. In other words, insurance companies have the right to refuse insurance if they find applicants with already existing health conditions. The only company that is not allowed to act in this way is Carefirst Blue Cross Blue Shield. Presently, this company is supposed to offer a minimum of one plan to all DC residents (overlooking their health status). But in case you’re HIPAA eligible, all private insurers will have to offer you a selection of a minimum of 2 plans according to insurance laws in DC. Group plan rules state that pre-existing condition exclusion period can only be upto a certain length of time. COBRA coverage will apply if you were under a group plan with your previous employer (only if the number of employees was above 20). This ensures that you enjoy insurance benefits even after you’ve left the job. In case, your previous organization had less than 20 employees, you’ll be eligible for state continuous coverage.

For individual health insurance, Floridians have to prove to insurers that they’re in the best of health. In other words, insurance companies have the right to refuse insurance if they find applicants with already existing health conditions. But in case you’re HIPAA eligible, you can enjoy even more flexibility (the greatest being the power to buy coverage in all the other states). On the part of the insurers, they have to include certain benefits no matter what the plan design is. For example, immunizations need to be a part of every plan in the state. Even though your insurer cannot really cancel your coverage due to illness, it can do the same if it chooses to stop operations in the individual insurance sector. As for group coverage, there has to be a limit as far as the pre-existing condition exclusion period goes. Pre-existing periods are not functional in the case of pregnancy, adoption and other instances. COBRA coverage will apply if you were under a group plan with your previous employer (only if the number of employees was above 20). This ensures that you enjoy insurance benefits even after you’ve left the job. In case, your previous organization had less than 20 employees, you’ll be eligible for state continuous coverage.

For individual health insurance, Georgians have to prove to insurers that they’re in the best of health. In other words, insurance companies have the right to refuse insurance if they find applicants with already existing health conditions Another rule regarding in the state regarding individual says that newborns, adopted children and disabled children have right to coverage through their parents’ insurance until they’re adults. On the part of the insurers, they have to include certain benefits no matter what the plan design is. For example, mammograms have to be included in every policy. Your insurer cannot cancel your coverage on the event of ill health. In case of managed care plans, if you happen to move out of the service area, your plan will get cancelled. As for group coverage, there has to be a limit as far as the pre-existing condition exclusion period goes. Pre-existing periods are not functional in the case of pregnancy, adoption and other instances. COBRA coverage will apply if you were under a group plan with your previous employer (only if the number of employees was above 20). This ensures that you enjoy insurance benefits even after you’ve left the job. In case, your previous organization had less than 20 employees, you’ll be eligible for state continuous coverage.

Hawaii

For individual health insurance, Hawaiians have to prove to insurers that they’re in the best of health. In other words, insurance companies have the right to refuse insurance if they find applicants with already existing health conditions. The HIPAA eligible cannot be refused insurance. On the part of the insurers, they have to include certain benefits no matter what the plan design is. For example, mammograms have to be included in every policy. Pre-existing condition exclusion period may be slapped but then it has to have a limit (usually three years in Hawaii). HIPAA eligible people do not need to worry about the exclusion period. Your policy cannot be cancelled just because you’re sick. In Hawaii, no group plan can slap pre-existing condition exclusion period on you. COBRA coverage will apply if you were under a group plan with your previous employer (only if the number of employees was above 20). This ensures that you enjoy insurance benefits even after you’ve left the job. In case, your previous organization had less than 20 employees, you’ll be eligible for state continuous coverage.

For individual health insurance, Idaho residents have to prove to insurers that they’re in the best of health. In other words, insurance companies have the right to refuse insurance if they find applicants with already existing health conditions. Another rule regarding in the state regarding individual says that disabled children have right to coverage through their parents’ insurance until they’re adults. On the part of the insurers, they have to include certain benefits no matter what the plan design is. For example, mammograms have to be included in every policy. In the individual insurance category, there is a limit on the pre-existing condition exclusion period. Ill health can’t be reason enough for your insurer to cancel your policy. As for group coverage, there has to be a limit as far as the pre-existing condition exclusion period goes. Pre-existing periods are not functional in the case of pregnancy, adoption and other instances. COBRA coverage will apply if you were under a group plan with your previous employer (only if the number of employees was above 20). This ensures that you enjoy insurance benefits even after you’ve left the job. If you fail to get coverage from all other quarters, the Idaho Individual High Risk Re-insurance Pool can come to your rescue. To be eligible you either need to have a health condition for which you were refused coverage or need to be HIPAA eligible.

For individual health insurance, Illinois residents have to prove to insurers that they’re in the best of health. In other words, insurance companies have the right to refuse insurance if they find applicants with already existing health conditions Another rule regarding in the state regarding individual says that newborns, adopted children and disabled children have right to coverage through their parents’ insurance until they’re adults. On the part of the insurers, they have to include certain benefits no matter what the plan design is. For example, mammograms have to be included in every policy. There may be a pre-existing condition exclusion period but that needs to be limited. Ill health can’t be reason enough for your insurer to cancel your policy. As for group coverage, there has to be a limit as far as the pre-existing condition exclusion period goes. Pre-existing periods are not functional in the case of pregnancy, adoption and other instances. COBRA coverage will apply if you were under a group plan with your previous employer (only if the number of employees was above 20). This ensures that you enjoy insurance benefits even after you’ve left the job. Illinois Comprehensive Insurance Plan represents the state’s high risk insurance pool. All HIPAA eligible people are eligible for CHIP also.

Indiana

For individual health insurance, Indiana residents have to prove to insurers that they’re in the best of health. In other words, insurance companies have the right to refuse insurance if they find applicants with already existing health conditions. Another rule regarding in the state regarding individual says that newborns, adopted children and disabled children have right to coverage through their parents’ insurance. In certain special cases, disabled children can continue under their parents’ coverage even after they have reached the stage when dependency is revoked. On the part of the insurers, they have to include certain benefits no matter what the plan design is. For example, diabetes care has to be included in every policy. There may be a pre-existing condition exclusion period but that needs to be limited. Ill health can’t be reason enough for your insurer to cancel your policy. As for group coverage, there has to be a limit as far as the pre-existing condition exclusion period goes. Pre-existing periods are not functional in the case of pregnancy, adoption and other instances. COBRA coverage will apply if you were under a group plan with your previous employer (only if the number of employees was above 20). This ensures that you enjoy insurance benefits even after you’ve left the job. In case, your previous organization had less than 20 employees, you’ll be eligible for state continuous coverage. Indiana Comprehensive Health Insurance is the state’s high risk insurance pool from where uninsurable people (due to major health conditions) and HIPAA eligible people can get coverage.

Iowa

For individual health insurance, Iowa residents have to prove to insurers that they’re in the best of health. In other words, insurance companies have the right to refuse insurance if they find applicants with already existing health conditions. Another rule regarding in the state regarding individual says that newborns, adopted children and disabled children have right to coverage through their parents’ insurance. In certain special cases, disabled children can continue under their parents’ coverage even after they have reached the stage when dependency is revoked. On the part of the insurers, they have to include certain benefits no matter what the plan design is. For example, diabetes care has to be included in every policy. There may be a pre-existing condition exclusion period but that needs to be limited. Ill health can’t be reason enough for your insurer to cancel your policy. As for group coverage, there has to be a limit as far as the pre-existing condition exclusion period goes. Pre-existing periods are not functional in the case of pregnancy, adoption and other instances. COBRA coverage will apply if you were under a group plan with your previous employer (only if the number of employees was above 20). This ensures that you enjoy insurance benefits even after you’ve left the job. In case, your previous organization had less than 20 employees, you’ll be eligible for state continuous coverage. Iowa Comprehensive Health Association is the state’s high risk pool from where otherwise uninsurable people can get their coverage. Even HIPAA eligible persons are eligible for this pool.

For individual health insurance, Kansas residents have to prove to insurers that they’re in the best of health. In other words, insurance companies have the right to refuse insurance if they find applicants with already existing health conditions. Another rule regarding in the state regarding individual says that newborns, adopted children or any other dependants have right to coverage through their parents’ insurances. On the part of the insurers, they have to include certain benefits no matter what the plan design is. For example, screenings for breast cancer have to be included in every policy. There may be a pre-existing condition exclusion period but that needs to be limited. Ill health can’t be reason enough for your insurer to cancel your policy. As for group coverage, there has to be a limit as far as the pre-existing condition exclusion period goes. Pre-existing periods are not functional in the case of pregnancy, adoption and other instances. According to rules, your insurer cannot force upon you an exclusion period without any notice in advance. If you’ve had coverage in the past, your present insurer has to consider that as creditable coverage even if it plans to slap pre-existing condition exclusion period. COBRA coverage will apply if you were under a group plan with your previous employer (only if the number of employees was above 20). This ensures that you enjoy insurance benefits even after you’ve left the job. In case, your previous organization had less than 20 employees, you’ll be eligible for state continuous coverage. In case you or your family is regarded uninsurable by other insurance sources, you can go to the Kansas Health Insurance Association, the state’s high risk pool.

Kentucky

For individual health insurance, Kentucky residents have to prove to insurers that they’re in the best of health. In other words, insurance companies have the right to refuse insurance if they find applicants with already existing health conditions. Another rule regarding in the state regarding individual says that newborns, adopted children or any other dependants have right to coverage through their parents’ insurances. The state has made it necessary for all insurers to include a basic plan in its agenda and the features of this plan remain the same across companies. Even if there are pre-existing condition exclusion periods, there has to be a limit. Ill health can’t be reason enough for your insurer to cancel your policy. As for group coverage, there has to be a limit as far as the pre-existing condition exclusion period goes. Pre-existing periods are not functional in the case of pregnancy, adoption and other instances. Credit must be given for any creditable coverage that’s existed before. COBRA coverage will apply if you were under a group plan with your previous employer (only if the number of employees was above 20). This ensures that you enjoy insurance benefits even after you’ve left the job. In case, your previous organization had less than 20 employees, you’ll be eligible for state continuous coverage. The state has a high risk pool named Kentucky Access for people with expensive health conditions. Even the HIPAA eligible can apply.

Louisiana

For individual health insurance, Louisiana residents have to prove to insurers that they’re in the best of health. In other words, insurance companies have the right to refuse insurance if they find applicants with already existing health conditions. On the part of the insurers, they have to include certain benefits no matter what the plan design is. For example, mammograms are a necessary inclusion in Louisiana plans. Even if there are pre-existing condition exclusion periods, there has to be a limit. Ill health can’t be reason enough for your insurer to cancel your policy. In a freak case, your insurer may choose to stop operating in the individual plan market and this can be cause for your policy to get cancelled. As for group coverage, there has to be a limit as far as the pre-existing condition exclusion period goes. Pre-existing periods are not functional in the case of pregnancy, adoption and other instances. Credit must be given for any creditable coverage that’s existed before. COBRA coverage will apply if you were under a group plan with your previous employer (only if the number of employees was above 20). This ensures that you enjoy insurance benefits even after you’ve left the job. In case, your previous organization had less than 20 employees, you’ll be eligible for state continuous coverage. Louisiana Health Plan is the state high risk pool from where HIPAA eligible people or ones with expensive medical conditions can get coverage assistance.

Maine

For individual health insurance, Maine residents need not worry even if they’re suffering from expensive health conditions. That is because the state does not allow insurers to turn people down. HIPAA eligible people here, unlike in other states, get the same right to coverage as do other people. Another rule regarding in the state regarding individual says that newborns, adopted children or any other dependants have right to coverage through their parents’ insurances. All companies here have to offer a basic plan no matter what other plan designs are and the former’s benefits remain the same across companies. Even if there are pre-existing condition exclusion periods, there has to be a limit. Ill health can’t be reason enough for your insurer to cancel your policy. As for group coverage, there has to be a limit as far as the pre-existing condition exclusion period goes. Pre-existing periods are not functional in the case of pregnancy, adoption and other instances. COBRA coverage will apply if you were under a group plan with your previous employer (only if the number of employees was above 20). This ensures that you enjoy insurance benefits even after you’ve left the job. In case, your previous organization had less than 20 employees, you’ll be eligible for state continuous coverage.

For individual health insurance, Maryland residents have to prove to insurers that they’re in the best of health. In other words, insurance companies have the right to refuse insurance if they find applicants with already existing health conditions. Another rule regarding in the state regarding individual says that newborns, adopted children or any other dependants (including disabled children and even grandchildren) have right to coverage through the policyholders’ insurance. On the part of the insurers, they have to include certain benefits no matter what the plan design is. For example, mammograms are a necessary inclusion in Maine individual plans. As far as pre-existing conditions go, HMO’s cannot slam any. Other sources may slam elimination riders to your policy. Ill health can’t be reason enough for your insurer to cancel your policy. COBRA coverage will apply if you were under a group plan with your previous employer (only if the number of employees was above 20). This ensures that you enjoy insurance benefits even after you’ve left the job. In case, your previous organization had less than 20 employees, you’ll be eligible for state continuous coverage. Maryland Health Insurance Plan is the state high risk pool from where the HIPAA eligible, HCTC eligible and persons with expensive health conditions can get coverage.

Every person over the age of 18 in the state must have some kind of health coverage. All individual plans are supposed to abide by the rules laid down by the Individual Mandate (that which states every adult must have insurance). Apart from private insurers, people can also access the Commonwealth Choice. This is a state program with four coverage types. Pre-existing condition period may or may not apply on your coverage. HIPAA eligible persons however are not affected by any exclusion period. Ill health can’t be reason enough for your insurer to cancel your policy. As for group coverage, there has to be a limit as far as the pre-existing condition exclusion period goes. Pre-existing periods are not functional in the case of pregnancy, adoption and other instances. COBRA coverage will apply if you were under a group plan with your previous employer (only if the number of employees was above 20). This ensures that you enjoy insurance benefits even after you’ve left the job. In case, your previous organization had less than 20 employees, you’ll be eligible for state continuous coverage. Students in the state can make use of the Qualifying Student Health Insurance Program for health insurance needs.

Michigan

For individual health insurance, Michigan residents have to prove to insurers that they’re in the best of health. In other words, insurance companies have the right to refuse insurance if they find applicants with already existing health conditions. The only organization that is not allowed to refuse coverage is Blue Cross Blue Shield of Michigan. As a rule, it has to offer insurance to all residents. Another rule regarding individual says that newborns, adopted children or any other dependants have right to coverage through their parents’ insurances. On the part of the insurers, they have to include certain benefits no matter what the plan design is. For example, mammograms are a necessary inclusion in Michigan plans. The pre-existing condition exclusion period can be anything upto 12 months but if you’re obtaining coverage from BCBS Michigan or an HMO this comes down to 6 months. HIPAA people do not have to face exclusion periods. Ill health can’t be reason enough for your insurer to cancel your policy. As for group coverage, there has to be a limit as far as the pre-existing condition exclusion period goes. Pre-existing periods are not functional in the case of pregnancy, adoption and other instances. COBRA coverage will apply if you were under a group plan with your previous employer (only if the number of employees was above 20). This ensures that you enjoy insurance benefits even after you’ve left the job. In case, your previous organization had less than 20 employees, you’ll be eligible for state continuous coverage.

Minnesota

For individual health insurance, Minnesota residents have to prove to insurers that they’re in the best of health. In other words, insurance companies have the right to refuse insurance if they find applicants with already existing health conditions. Another rule regarding in the state regarding individual says that newborns, adopted children or any other dependants (including disabled children and even grandchildren) have right to coverage through the policyholders’ insurance. In fact disabled dependants can continue on coverage even after they have become adults if they happen to be special cases. On the part of the insurers, they have to include certain benefits no matter what the plan design is. For example, mammograms are a necessary inclusion in Maine individual plans. Even if there are pre-existing condition exclusion periods, there has to be a limit. Ill health can’t be reason enough for your insurer to cancel your policy. As for group coverage, there has to be a limit as far as the pre-existing condition exclusion period goes. Pre-existing periods are not functional in the case of pregnancy, adoption and other instances. COBRA coverage will apply if you were under a group plan with your previous employer (only if the number of employees was above 20). This ensures that you enjoy insurance benefits even after you’ve left the job. In case, your previous organization had less than 20 employees, you’ll be eligible for state continuous coverage. If you have financial problems or are uninsurable for an expensive health condition you can get help from the Minnesota Comprehensive Health Association.

Mississippi

For individual health insurance, Mississippi residents have to prove to insurers that they’re in the best of health. In other words, insurance companies have the right to refuse insurance if they find applicants with already existing health conditions. Another rule regarding in the state regarding individual says that newborns, adopted children or any other dependants (including disabled children and even grandchildren) have right to coverage through the policyholders’ insurance. In fact disabled dependants can continue on coverage even after they have become adults if they happen to be special cases. On the part of the insurers, they have to include certain benefits no matter what the plan design is. For example, all plans have to offer members the advantage of hospital stays post delivery. Plans can slam both elimination riders and pre-existing condition exclusion periods on you. Ill health can’t be reason enough for your insurer to cancel your policy. As for group coverage, there has to be a limit as far as the pre-existing condition exclusion period goes. Pre-existing periods are not functional in the case of pregnancy, adoption and other instances. COBRA coverage will apply if you were under a group plan with your previous employer (only if the number of employees was above 20). This ensures that you enjoy insurance benefits even after you’ve left the job. In case, your previous organization had less than 20 employees, you’ll be eligible for state continuous coverage. The state has a high risk pool called the Mississippi Comprehensive Health Insurance Risk Pool Association that offers coverage to otherwise uninsurable people and even HIPAA eligible persons.

Missouri

For individual health insurance, Missouri residents have to prove to insurers that they’re in the best of health. In other words, insurance companies have the right to refuse insurance if they find applicants with already existing health conditions. However, if you’re HIPAA eligible you can’t be refused coverage. Another rule regarding in the state regarding individual says that newborns, adopted children or any other dependants (including disabled children and even grandchildren) have right to coverage through the policyholders’ insurance. On the part of the insurers, they have to include certain benefits no matter what the plan design is. For example, mammograms are mandatory for every plan to include as a benefit. Pre-existing condition exclusion periods may apply but with a limit. HIPAA eligible people do not have to face an exclusion period. Ill health can’t be reason enough for your insurer to cancel your policy. As for group coverage, there has to be a limit as far as the pre-existing condition exclusion period goes. Pre-existing periods are not functional in the case of pregnancy, adoption and other instances. COBRA coverage will apply if you were under a group plan with your previous employer (only if the number of employees was above 20). This ensures that you enjoy insurance benefits even after you’ve left the job. In case, your previous organization had less than 20 employees, you’ll be eligible for state continuous coverage. Missouri Health Insurance Program is the state’s high risk pool from where the uninsurable can get their coverage.

For individual health insurance, Montana residents have to prove to insurers that they’re in the best of health. In other words, insurance companies have the right to refuse insurance if they find applicants with already existing health conditions. Another rule regarding in the state regarding individual says that newborns, adopted children or any other dependants (including disabled children and even grandchildren) have right to coverage through the policyholders’ insurance. In fact disabled dependants can continue on coverage even after they have become adults if they happen to be special cases. Insurance laws have made it mandatory for all insurers to offer a less costly basic plan so that more number of people is able to avail it. Pre-existing condition exclusion periods may apply but with a limit. As for group coverage, there has to be a limit as far as the pre-existing condition exclusion period goes. Pre-existing periods are not functional in the case of pregnancy, adoption and other instances. COBRA coverage will apply if you were under a group plan with your previous employer (only if the number of employees was above 20). This ensures that you enjoy insurance benefits even after you’ve left the job. People with expensive health conditions or the HIPAA eligible can get coverage from the state arranged high risk pool Montana Comprehensive Health Association.

Nebraska

For individual health insurance, Nebraska residents have to prove to insurers that they’re in the best of health. In other words, insurance companies have the right to refuse insurance if they find applicants with already existing health conditions. Another rule regarding in the state regarding individual says that newborns, adopted children or any other dependants (including disabled children and even grandchildren) have right to coverage through the policyholders’ insurance. In fact disabled dependants can continue on coverage even after they have become adults if they happen to be special cases. On the part of the insurers, they have to include certain benefits no matter what the plan design is. For example, mammograms are mandatory for every plan to include as a benefit. Plans can slam both elimination riders and pre-existing condition exclusion periods on you. Ill health can’t be reason enough for your insurer to cancel your policy. As for group coverage, there has to be a limit as far as the pre-existing condition exclusion period goes. Pre-existing periods are not functional in the case of pregnancy, adoption and other instances. COBRA coverage will apply if you were under a group plan with your previous employer (only if the number of employees was above 20). This ensures that you enjoy insurance benefits even after you’ve left the job. In case, your previous organization had less than 20 employees, you’ll be eligible for state continuous coverage. People who are otherwise uninsurable can opt for the Comprehensive Health Insurance Pool for coverage needs. The program is also open for HIPAA eligible persons.

Nevada

For individual health insurance, Nevada residents have to prove to insurers that they’re in the best of health. In other words, insurance companies have the right to refuse insurance if they find applicants with already existing health conditions. Another rule regarding in the state regarding individual says that newborns, adopted children or any other dependants (including disabled children and even grandchildren) have right to coverage through the policyholders’ insurance. In fact disabled dependants can continue on coverage even after they have become adults if they happen to be special cases. All private insurers are supposed to offer at least two plans to HIPAA eligible persons. Also apart from other policies, insurers need to offer a basic plan and a standard plan. Pre-existing conditions like elimination riders and exclusion periods may apply. Ill health can’t be reason enough for your insurer to cancel your policy. As for group coverage, there has to be a limit as far as the pre-existing condition exclusion period goes. Pre-existing periods are not functional in the case of pregnancy, adoption and other instances. COBRA coverage will apply if you were under a group plan with your previous employer (only if the number of employees was above 20). This ensures that you enjoy insurance benefits even after you’ve left the job. In case, your previous organization had less than 20 employees, you’ll be eligible for state continuous coverage.

New Hampshire

For individual health insurance, New Hampshire residents have to prove to insurers that they’re in the best of health. In other words, insurance companies have the right to refuse insurance if they find applicants with already existing health conditions. Another rule regarding in the state regarding individual says that newborns, adopted children or any other dependants (including disabled children and even grandchildren) have right to coverage through the policyholders’ insurance. In fact disabled dependants can continue on coverage even after they have become adults if they happen to be special cases. HIPAA eligible persons, though, are not allowed to access coverage offered by private insurers. On the part of the insurers, they have to include certain benefits no matter what the plan design is. For example, diabetes services are mandatory for every plan to include as a benefit. Insurers may apply two kinds of pre-existing conditions- exclusion periods and elimination riders. Ill health can’t be reason enough for your insurer to cancel your policy. As for group coverage, there has to be a limit as far as the pre-existing condition exclusion period goes. Pre-existing periods are not functional in the case of pregnancy, adoption and other instances. COBRA coverage will apply if you were under a group plan with your previous employer (only if the number of employees was above 20). This ensures that you enjoy insurance benefits even after you’ve left the job. In case, your previous organization had less than 20 employees, you’ll be eligible for state continuous coverage. The state’s high risk pool program is the New Hampshire Health Plan that offers coverage to the HIPAA eligible and to people with expensive medical conditions.

New Jersey

The state laws make it easy for people to purchase insurance. That is why it is stated insurers cannot refuse anyone considering his health status. For one to become eligible for individual health coverage, one has to show proof that he has lived in the state continuously for six months. Also, only those who are not covered by any other coverage can buy individual insurance. Another rule regarding in the state regarding individual says that newborns, adopted children or any other dependants (including disabled children and even grandchildren) have right to coverage through the policyholders’ insurance. Ill health can’t result in the cancellation of your insurance policy. Pre existing conditions may apply if you are not HIPAA eligible but the exclusion period can only be upto 12 months. As for group coverage, there has to be a limit as far as the pre-existing condition exclusion period goes. Pre-existing periods are not functional in the case of pregnancy, adoption and other instances. COBRA coverage will apply if you were under a group plan with your previous employer (only if the number of employees was above 20). This ensures that you enjoy insurance benefits even after you’ve left the job. In case, your previous organization had less than 20 employees, you’ll be eligible for state continuous coverage.

New Mexico

For individual health insurance, New Mexico residents have to prove to insurers that they’re in the best of health. In other words, insurance companies have the right to refuse insurance if they find applicants with already existing health conditions. Another rule regarding in the state regarding individual says that newborns, adopted children or any other dependants (including disabled children and even grandchildren) have right to coverage through the policyholders’ insurance. In fact disabled dependants can continue on coverage even after they have become adults if they happen to be special cases. On the part of the insurers, they have to include certain benefits no matter what the plan design is. For example, immunizations are mandatory for every plan to include as a benefit. Insurers can slam both elimination riders and exclusion periods on you. But they cannot cancel your policy if you fall sick. As for group coverage, there has to be a limit as far as the pre-existing condition exclusion period goes. Pre-existing periods are not functional in the case of pregnancy, adoption and other instances. COBRA coverage will apply if you were under a group plan with your previous employer (only if the number of employees was above 20). This ensures that you enjoy insurance benefits even after you’ve left the job. In case, your previous organization had less than 20 employees, you’ll be eligible for state continuous coverage. If you happen to be uninsurable or HIPAA eligible you can opt for the New Mexico Health Insurance Alliance for your coverage needs. This program is typically for individuals. The state also has a high risk pool program named the New Mexico Medical Insurance Pool. This is for HIPAA eligible people and ones that are considered uninsurable.

New York

The state does not allow insurers the right to refuse people coverage keeping in consideration their health status. Another rule regarding in the state regarding individual says that newborns, adopted children or any other dependants (including disabled children and even grandchildren) have right to coverage through the policyholders’ insurance. In fact disabled dependants can continue on coverage even after they have become adults if they happen to be special cases. The state also does not allow any discrimination against HIPAA eligible people as far as purchasing individual insurance goes. In case you have a child who is a full time student, who also happens to get benefits from your coverage, the latter may be eligible for some special benefits too. All HMO’s are supposed to offer a standard plan to its members along with other packages. Though insurers may apply exclusion periods, elimination riders cannot be applied. Ill health can’t result in the cancellation of your insurance policy. As for group coverage, there has to be a limit as far as the pre-existing condition exclusion period goes. Pre-existing periods are not functional in the case of pregnancy, adoption and other instances. Even if your insurer decides to apply an exclusion period he has to notify you about that in advance. COBRA coverage will apply if you were under a group plan with your previous employer (only if the number of employees was above 20). This ensures that you enjoy insurance benefits even after you’ve left the job. In case, your previous organization had less than 20 employees, you’ll be eligible for state continuous coverage.

North Carolina

For individual health insurance, North Carolina residents have to prove to insurers that they’re in the best of health. In other words, insurance companies have the right to refuse insurance if they find applicants with already existing health conditions. The only organization that cannot act this way is the Blue Cross and Blue Shield. It has to offer at least one plan to every living adult in the state. As for HIPAA eligible people, they can have a choice of at least two plans from all insurers. Another rule regarding in the state regarding individual says that newborns, adopted children or any other dependants (including disabled children and even grandchildren if the actual parent is below 18) have right to coverage through the policyholders’ insurance. On the part of the insurers, they have to include certain benefits no matter what the plan design is. For example, mammograms and diabetes treatment are mandatory for every plan to include as benefits. Insurers can impose both elimination riders and pre-existing condition exclusion period. The latter can’t be more than a year. Ill health can’t result in the cancellation of your insurance policy. As for group coverage, there has to be a limit as far as the pre-existing condition exclusion period goes. Pre-existing periods are not functional in the case of pregnancy, adoption and other instances. Even if your insurer decides to apply an exclusion period he has to notify you about that in advance. COBRA coverage will apply if you were under a group plan with your previous employer (only if the number of employees was above 20). This ensures that you enjoy insurance benefits even after you’ve left the job. In case, your previous organization had less than 20 employees, you’ll be eligible for state continuous coverage.

North Dakota

For individual health insurance, North Dakota residents have to prove to insurers that they’re in the best of health. In other words, insurance companies have the right to refuse insurance if they find applicants with already existing health conditions. Another rule regarding in the state regarding individual says that newborns, adopted children or any other dependants (including disabled children and even grandchildren) have right to coverage through the policyholders’ insurance. All insurers have to offer one basic and one standard plan each. Apart from that insurers can impose both elimination riders and exclusion periods. But they cannot cancel your policy if you happen to fall sick. As for group coverage, there has to be a limit as far as the pre-existing condition exclusion period goes. Pre-existing periods are not functional in the case of pregnancy, adoption and other instances. Even if your insurer decides to apply an exclusion period he has to notify you about that in advance. COBRA coverage will apply if you were under a group plan with your previous employer (only if the number of employees was above 20). This ensures that you enjoy insurance benefits even after you’ve left the job. In case, your previous organization had less than 20 employees, you’ll be eligible for state continuous coverage. HIPAA eligible persons and those who are otherwise considered uninsurable can opt for the Comprehensive Health Association of North Dakota for their coverage needs.

Ohio

For individual health insurance, Ohio residents have to prove to insurers that they’re in the best of health. In other words, insurance companies have the right to refuse insurance if they find applicants with already existing health conditions. Another rule regarding in the state regarding individual says that newborns, adopted children or any other dependants (including disabled children and even grandchildren) have right to coverage through the policyholders’ insurance. In fact disabled dependants can continue on coverage even after they have become adults if they happen to be special cases. On the part of the insurers, they have to include certain benefits no matter what the plan design is. For example, diabetes treatment is mandatory for every plan to include as benefit. Insurers can impose both exclusion periods and elimination riders. But they cannot cancel your policy if you happen to fall sick. As for group coverage, there has to be a limit as far as the pre-existing condition exclusion period goes. Pre-existing periods are not functional in the case of pregnancy, adoption and other instances. Even if your insurer decides to apply an exclusion period he has to notify you about that in advance. COBRA coverage will apply if you were under a group plan with your previous employer (only if the number of employees was above 20). This ensures that you enjoy insurance benefits even after you’ve left the job. In case, your previous organization had less than 20 employees, you’ll be eligible for state continuous coverage. HIPAA eligible persons can opt for either the basic or standard plan anytime.

Oklahoma

For individual health insurance, Oklahoma residents have to prove to insurers that they’re in the best of health. In other words, insurance companies have the right to refuse insurance if they find applicants with already existing health conditions. Another rule regarding in the state regarding individual says that newborns, adopted children or any other dependants (including disabled children and even grandchildren) have right to coverage through the policyholders’ insurance. On the part of the insurers, they have to include certain benefits no matter what the plan design is. For example, mammograms and immunizations are mandatory for every plan to include as benefits. Insurers can impose both elimination riders and exclusion periods. But they cannot cancel your policy if you happen to fall sick. As for group coverage, there has to be a limit as far as the pre-existing condition exclusion period goes. Pre-existing periods are not functional in the case of pregnancy, adoption and other instances. Even if your insurer decides to apply an exclusion period he has to notify you about that in advance. Though normally, the exclusion period is 12 months, it can be more than 18 months on self insured group plans. COBRA coverage will apply if you were under a group plan with your previous employer (only if the number of employees was above 20). This ensures that you enjoy insurance benefits even after you’ve left the job. In case, your previous organization had less than 20 employees, you’ll be eligible for state continuous coverage. If you are HIPAA eligible you can get coverage from the state’s high risk pool, Oklahoma Health Insurance High Risk Pool.

Oregon

For individual health insurance, Oregon residents have to prove to insurers that they’re in the best of health. In other words, insurance companies have the right to refuse insurance if they find applicants with already existing health conditions. Another rule regarding in the state regarding individual says that newborns, adopted children or any other dependants (including disabled children and even grandchildren) have right to coverage through the policyholders’ insurance. On the part of the insurers, they have to include certain benefits no matter what the plan design is. For example, mammograms are mandatory for every plan to include as benefit. Your insurer cannot cancel your policy just because you have fallen ill. As for group coverage, there has to be a limit as far as the pre-existing condition exclusion period goes. Pre-existing periods are not functional in the case of pregnancy, adoption and other instances. Even if your insurer decides to apply an exclusion period he has to notify you about that in advance. COBRA coverage will apply if you were under a group plan with your previous employer (only if the number of employees was above 20). This ensures that you enjoy insurance benefits even after you’ve left the job. In case, your previous organization had less than 20 employees, you’ll be eligible for state continuous coverage. The Oregon Medical Insurance Pool is the state high risk pool that offers coverage to the uninsurable.

Pennsylvania

For individual health insurance, Pennsylvania residents have to prove to insurers that they’re in the best of health. In other words, insurance companies have the right to refuse insurance if they find applicants with already existing health conditions. The only organization that cannot act this way is the Blue Cross and Blue Shield. It has to offer at least one plan to every living adult in the state. Every part of Pennsylvania is blessed by the presence of BCBS and the latter has to offer a minimum of two plans to the HIPAA eligible. On the part of the insurers, they have to include certain benefits no matter what the plan design is. For example, breast cancer screening is mandatory for every plan to include as benefit. Insurers can impose both elimination riders and exclusion periods. BCBS cannot do so if you happen to be HIPAA eligible. Your insurer cannot cancel your policy just because you have fallen ill. As for group coverage, there has to be a limit as far as the pre-existing condition exclusion period goes. Pre-existing periods are not functional in the case of pregnancy, adoption and other instances. Even if your insurer decides to apply an exclusion period he has to notify you about that in advance. COBRA coverage will apply if you were under a group plan with your previous employer (only if the number of employees was above 20). This ensures that you enjoy insurance benefits even after you’ve left the job. In case, your previous organization had less than 20 employees, you’ll be eligible for state continuous coverage.

Rhode Island

For individual health insurance, Rhode Island residents have to prove to insurers that they’re in the best of health. In other words, insurance companies have the right to refuse insurance if they find applicants with already existing health conditions. Another rule regarding in the state regarding individual says that newborns, adopted children or any other dependants (including disabled children and even grandchildren) have right to coverage through the policyholders’ insurance. In fact disabled dependants can continue on coverage even after they have become adults if they happen to be special cases. Blue Cross Blue Shield of Rhode Island is supposed to offer insurance to all living adult residents here. On the part of the insurers, they have to include certain benefits no matter what the plan design is. For example, diabetes treatment is mandatory for every plan to include as benefit. Insurers can impose both elimination riders and exclusion periods. Your insurer cannot cancel your policy just because you have fallen ill. As for group coverage, pre-existing periods are not functional in the case of pregnancy, adoption and other instances. Exclusion periods vary from plan to plan. Even if your insurer decides to apply an exclusion period he has to notify you about that in advance. COBRA coverage will apply if you were under a group plan with your previous employer (only if the number of employees was above 20). This ensures that you enjoy insurance benefits even after you’ve left the job. In case, your previous organization had less than 20 employees, you’ll be eligible for state continuous coverage.

South Carolina

For individual health insurance, South Carolina residents have to prove to insurers that they’re in the best of health. In other words, insurance companies have the right to refuse insurance if they find applicants with already existing health conditions. Another rule regarding in the state regarding individual says that newborns, adopted children or any other dependants (including disabled children and even grandchildren) have right to coverage through the policyholders’ insurance. In fact disabled dependants can continue on coverage even after they have become adults if they happen to be special cases. On the part of the insurers, they have to include certain benefits no matter what the plan design is. For example, diabetes treatment is mandatory for every plan to include as benefit. Insurers can impose both elimination riders and exclusion periods. Your insurer cannot cancel your policy just because you have fallen ill. As for group coverage, there has to be a limit as far as the pre-existing condition exclusion period goes. Pre-existing periods are not functional in the case of pregnancy, adoption and other instances. Even if your insurer decides to apply an exclusion period he has to notify you about that in advance. COBRA coverage will apply if you were under a group plan with your previous employer (only if the number of employees was above 20). This ensures that you enjoy insurance benefits even after you’ve left the job. In case, your previous organization had less than 20 employees, you’ll be eligible for state continuous coverage. South Carolina Health Insurance Pool is the state high risk pool from where the uninsurable and the HIPAA eligible can get coverage assistance.

South Dakota

For individual health insurance, South Dakota residents have to prove to insurers that they’re in the best of health. In other words, insurance companies have the right to refuse insurance if they find applicants with already existing health conditions. Another rule regarding in the state regarding individual says that newborns, adopted children or any other dependants (including disabled children and even grandchildren) have right to coverage through the policyholders’ insurance. In fact disabled dependants can continue on coverage even after they have become adults if they happen to be special cases. On the part of the insurers, they have to include certain benefits no matter what the plan design is. For example, screening for prostrate cancer is mandatory for every plan to include as benefit. Insurers can impose both elimination riders and exclusion periods. Your insurer cannot cancel your policy just because you have fallen ill. As for group coverage, there has to be a limit as far as the pre-existing condition exclusion period goes. Pre-existing periods are not functional in the case of pregnancy, adoption and other instances. Even if your insurer decides to apply an exclusion period he has to notify you about that in advance. COBRA coverage will apply if you were under a group plan with your previous employer (only if the number of employees was above 20). This ensures that you enjoy insurance benefits even after you’ve left the job. In case, your previous organization had less than 20 employees, you’ll be eligible for state continuous coverage. The South Dakota Risk Pool is for HIPAA eligible persons and people with expensive medical conditions.

Tennessee

For individual health insurance, Tennessee residents have to prove to insurers that they’re in the best of health. In other words, insurance companies have the right to refuse insurance if they find applicants with already existing health conditions. Another rule regarding in the state regarding individual says that newborns, adopted children or any other dependants (including disabled children and even grandchildren) have right to coverage through the policyholders’ insurance. In fact disabled dependants can continue on coverage even after they have become adults if they happen to be special cases. HIPAA eligible, however, have an upper hand in this regard since no insurer can refuse them coverage. On the part of the insurers, they have to include certain benefits no matter what the plan design is. For example, mammogram is mandatory for every plan to include as benefit. Pre-existing condition exclusion periods may or may not apply. In case of HIPAA eligible, they don’t apply. Your insurer cannot cancel your policy just because you have fallen ill. As for group coverage, there has to be a limit as far as the pre-existing condition exclusion period goes. Pre-existing periods are not functional in the case of pregnancy, adoption and other instances. Even if your insurer decides to apply an exclusion period he has to notify you about that in advance. COBRA coverage will apply if you were under a group plan with your previous employer (only if the number of employees was above 20). This ensures that you enjoy insurance benefits even after you’ve left the job. In case, your previous organization had less than 20 employees, you’ll be eligible for state continuous coverage. Access TN, the state high risk pool, iks meant for the otherwise uninsurable.

Texas

For individual health insurance, Texas residents have to prove to insurers that they’re in the best of health. In other words, insurance companies have the right to refuse insurance if they find applicants with already existing health conditions. Another rule regarding in the state regarding individual says that newborns, adopted children or any other dependants (including disabled children and even grandchildren) have right to coverage through the policyholders’ insurance. In fact disabled dependants can continue on coverage even after they have become adults if they happen to be special cases. On the part of the insurers, they have to include certain benefits no matter what the plan design is. For example, immunizations are mandatory. Buying HMO insurance will spare you from pre-existing conditions, but otherwise they’ll be applied. Your insurer cannot cancel your policy just because you have fallen ill. As for group coverage, there has to be a limit as far as the pre-existing condition exclusion period goes. If you’ve had creditable coverage before, your current insurer should give that recognition. Pre-existing periods are not functional in the case of pregnancy, adoption and other instances. Even if your insurer decides to apply an exclusion period he has to notify you about that in advance. COBRA coverage will apply if you were under a group plan with your previous employer (only if the number of employees was above 20). This ensures that you enjoy insurance benefits even after you’ve left the job. In case, your previous organization had less than 20 employees, you’ll be eligible for state continuous coverage. The Texas Health Insurance Risk Pool offers coverage to HIPAA eligible people and even to those with expensive health conditions.

Utah

For individual health insurance, Utah residents have to prove to insurers that they’re in the best of health. In other words, insurance companies have the right to refuse insurance if they find applicants with already existing health conditions. Another rule regarding in the state regarding individual says that newborns, adopted children or any other dependants (including disabled children and even grandchildren) have right to coverage through the policyholders’ insurance. In fact disabled dependants can continue on coverage even after they have become adults if they happen to be special cases. On the part of the insurers, they have to include certain benefits no matter what the plan design is. For example, breast reconstruction after mastectomy is mandatory. Insurers can impose both elimination riders and exclusion periods. Your insurer cannot cancel your policy just because you have fallen ill. As for group coverage, there has to be a limit as far as the pre-existing condition exclusion period goes. If you’ve had creditable coverage before, your current insurer should give that recognition. Pre-existing periods are not functional in the case of pregnancy, adoption and other instances. COBRA coverage will apply if you were under a group plan with your previous employer (only if the number of employees was above 20). This ensures that you enjoy insurance benefits even after you’ve left the job. In case, your previous organization had less than 20 employees, you’ll be eligible for state continuous coverage. Utah Comprehensive Health Insurance Pool offers coverage to otherwise uninsurable people. HIPAA eligible people can also access this state risk pool.

Vermont

Several programs have been launched to feed the demand for health insurance across the state. These include Catamount Health, Green Mountain Care and many more programs.

Virginia

For individual health insurance, Virginia residents have to prove to insurers that they’re in the best of health. In other words, insurance companies have the right to refuse insurance if they find applicants with already existing health conditions. Another rule regarding in the state regarding individual says that newborns, adopted children or any other dependants (including disabled children and even grandchildren) have right to coverage through the policyholders’ insurance. The only organization that cannot refuse coverage is Anthem Blue Cross Blue Shield. No company can turn you down if you are HIPAA eligible. On the part of the insurers, they have to include certain benefits no matter what the plan design is. For example, mammogram is a mandatory benefit. Insurers can impose both elimination riders and exclusion periods. However, you’re exempt from both if you’re HIPAA eligible. Your insurer cannot cancel your policy just because you have fallen ill. COBRA coverage will apply if you were under a group plan with your previous employer (only if the number of employees was above 20). This ensures that you enjoy insurance benefits even after you’ve left the job. In case, your previous organization had less than 20 employees, you’ll be eligible for state continuous coverage.

Washington State

For individual health insurance, Washington State residents have to prove to insurers that they’re in the best of health. In other words, insurance companies have the right to refuse insurance if they find applicants with already existing health conditions. Another rule regarding in the state regarding individual says that newborns, adopted children or any other dependants (including disabled children and even grandchildren) have right to coverage through the policyholders’ insurance. In fact disabled dependants can continue on coverage even after they have become adults if they happen to be special cases. On the part of the insurers, they have to include certain benefits no matter what the plan design is. For example, mammogram is a mandatory benefit. Insurers can impose both elimination riders and exclusion periods. The latter cannot be more than 9 months. Your insurer cannot cancel your policy just because you have fallen ill. As for group coverage, there has to be a limit as far as the pre-existing condition exclusion period goes. If you’ve had creditable coverage before, your current insurer should give that recognition. Pre-existing periods are not functional in the case of pregnancy, adoption and other instances. COBRA coverage will apply if you were under a group plan with your previous employer (only if the number of employees was above 20). This ensures that you enjoy insurance benefits even after you’ve left the job. In case, your previous organization had less than 20 employees, you’ll be eligible for state continuous coverage. Washington State Health Insurance Plan is the state high risk pool from where the otherwise uninsurable can get their coverage.

West Virginia

For individual health insurance, West Virginia residents have to prove to insurers that they’re in the best of health. In other words, insurance companies have the right to refuse insurance if they find applicants with already existing health conditions. Another rule regarding in the state regarding individual says that newborns, adopted children or any other dependants (including disabled children and even grandchildren) have right to coverage through the policyholders’ insurance. In fact disabled dependants can continue on coverage even after they have become adults if they happen to be special cases. On the part of the insurers, they have to include certain benefits no matter what the plan design is. For example, mammogram is a mandatory benefit. Insurers can impose both elimination riders and exclusion periods In case you’re HIPAA eligible, the latter does not apply. Your insurer cannot cancel your policy just because you have fallen ill. As for group coverage, there has to be a limit as far as the pre-existing condition exclusion period goes. If you’ve had creditable coverage before, your current insurer should give that recognition. Pre-existing periods are not functional in the case of pregnancy, adoption and other instances. COBRA coverage will apply if you were under a group plan with your previous employer (only if the number of employees was above 20). This ensures that you enjoy insurance benefits even after you’ve left the job. In case, your previous organization had less than 20 employees, you’ll be eligible for state continuous coverage. The state’s high risk pool Access WV offers coverage to people with expensive health conditions and also to the HIPAA eligible.

Wisconsin

For individual health insurance, Wisconsin residents have to prove to insurers that they’re in the best of health. In other words, insurance companies have the right to refuse insurance if they find applicants with already existing health conditions. Another rule regarding in the state regarding individual says that newborns, adopted children or any other dependants (including disabled children and even grandchildren) have right to coverage through the policyholders’ insurance. In fact disabled dependants can continue on coverage even after they have become adults if they happen to be special cases. On the part of the insurers, they have to include certain benefits no matter what the plan design is. For example, mammogram is a mandatory benefit for women of 50 and above. Insurers can impose both elimination riders and exclusion periods. Your insurer cannot cancel your policy just because you have fallen ill. As for group coverage, there has to be a limit as far as the pre-existing condition exclusion period goes. If you’ve had creditable coverage before, your current insurer should give that recognition. Pre-existing periods are not functional in the case of pregnancy, adoption and other instances. COBRA coverage will apply if you were under a group plan with your previous employer (only if the number of employees was above 20). This ensures that you enjoy insurance benefits even after you’ve left the job. In case, your previous organization had less than 20 employees, you’ll be eligible for state continuous coverage. The Wisconsin Health Insurance Risk Sharing Plan offers coverage to the otherwise uninsurable and even to HIPAA eligible people.

Wyoming

For individual health insurance, Wyoming residents have to prove to insurers that they’re in the best of health. In other words, insurance companies have the right to refuse insurance if they find applicants with already existing health conditions. Another rule regarding in the state regarding individual says that newborns, adopted children or any other dependants (including disabled children and even grandchildren) have right to coverage through the policyholders’ insurance. In fact disabled dependants can continue on coverage even after they have become adults if they happen to be special cases. On the part of the insurers, they have to include certain benefits no matter what the plan design is. For example, diabetes treatment is a mandatory benefit for women of 50 and above. Insurers can impose both elimination riders and exclusion periods. Your insurer cannot cancel your policy just because you have fallen ill. As for group coverage, there has to be a limit as far as the pre-existing condition exclusion period goes. If you’ve had creditable coverage before, your current insurer should give that recognition. Pre-existing periods are not functional in the case of pregnancy, adoption and other instances. COBRA coverage will apply if you were under a group plan with your previous employer (only if the number of employees was above 20). This ensures that you enjoy insurance benefits even after you’ve left the job. In case, your previous organization had less than 20 employees, you’ll be eligible for state continuous coverage. The Wyoming Health Insurance Pool is the state risk pool from where the uninsurable and the HIPAA eligible can get coverage.